Fayette, AL · Cert 5600
FDIC · 2 branches
Q4 2021
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 2.36% | 1.76% | 1.46% | 1.59% | 1.06% | 1.00% | 1.24% | -23 bps | |
| Return on Equity | 5.10% | 11.29% | 8.36% | 6.91% | 7.61% | 5.11% | 4.82% | 6.76% | -15 bps | |
| Net Interest Margin | 2.57% | 2.54% | 2.36% | 2.32% | 2.39% | 2.23% | 2.18% | 2.17% | -15 bps | |
| Efficiency Ratio | 57.81% | 39.27% | 43.86% | 47.37% | 59.08% | 61.01% | 59.59% | 57.41% | +1,004 bps | |
| Non-Interest Burden | 1.39% | 0.11% | 0.48% | 0.66% | 1.33% | 1.29% | 1.22% | 0.67% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.81% | 9.64% | 10.10% | 10.20% | 13.75% | 6.07% | 6.08% | -1.44% | -1,164 bps | |
| Loan Growth (YoY) | -8.63% | -13.25% | -13.23% | -14.92% | -20.61% | -20.01% | -16.23% | -15.90% | -98 bps | |
| Deposit Growth (YoY) | 0.85% | 10.54% | 11.02% | 11.07% | 14.48% | 7.64% | 7.88% | 16.26% | +519 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.17% | 2.49% | 4.73% | 1.68% | 1.94% | 1.29% | 1.08% | 1.34% | -34 bps | |
| Net Charge-Offs / Loans | 1.31% | 0.79% | 0.70% | -0.02% | -5.41% | -3.50% | -2.44% | -2.03% | -201 bps | |
| Allowance / Loans | 1.33% | 1.38% | 1.42% | 2.08% | 2.23% | 2.65% | 2.73% | 2.86% | +77 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.6x | 0.3x | 1.2x | 1.2x | 2.1x | 2.5x | 2.1x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 20.66% | 20.67% | 19.79% | 19.39% | 19.57% | 19.17% | 19.09% | 7.12% | -1,228 bps | |
| Total Risk-Based Capital | 20.66% | 20.67% | 19.79% | 19.39% | 19.57% | 19.17% | 19.09% | 7.12% | -1,228 bps | |
| Equity / Assets | 20.08% | 21.34% | 21.78% | 21.44% | 20.40% | 20.29% | 20.57% | 8.37% | -1,307 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 25.66% | 22.65% | 21.82% | 20.62% | 17.80% | 16.83% | 16.94% | 14.92% | -570 bps | |
| Liquid Assets / Assets | 3.18% | 7.84% | 6.43% | 7.76% | 7.53% | 8.98% | 9.87% | 12.57% | +480 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |